Upon first visit to the First Premier Bank's website, I immediately liked the site design and the big sun glasses that greeted me. They set my mind into holiday mode which in turn made me want to look at what kind of credit cards were available.
I see it already, sun, sea and sand. I could book a well deserved break once I am successful with my First Premier Bank Credit Card Application.
But website design is not a good enough reason to choose a credit card, so let's see what features and benefits First Premier Credit Cards has to offer.
When you submit your credit card application, it will take you all of 60 seconds to know your fate, if you are a busy person, (and who isn't) or like me, you want to book that vacation fast, you know how good this feature is.
Bad credit? No problem, if you have less than perfect credit your application is still welcomed.
The APR on purchases is 9.99%. This is an excellent rate, the website did not say if this rate is adjustable based on credit history but it seems so competitive, I tend to think that the lower your credit score the higher the rate. If this is not so, then you are on to a real cracker.
The cash advance APR is19.9% which is fair enough, after all it is a credit card and should not be used as a debit card.
You should be aware of the Penalty APR on purchases though. If you miss your due dates twice in any six month period or for two consecutive months, your APR would increase to 19.9% and will remain at that rate until you pay your bill on time for 3 consecutive months. The clouds are beginning to roll in on this offer.
If you think a bit of cloud is bad, when you see the fees attached to this card, those clouds would really bring the rain down.
On receipt of your card, your limit would be a minimum of 0. Then comes the fees: Annual fee Account Set up fee Program fee Participation fee $ 6 monthly Additional card fee per card Internet Access Fee .95 once you sign up for the service
Most of the fees are added to your account from day one and it would reduce your available credit. When all is said and done, you could actually end up with an available limit of as little as depending on which fees apply to you.
WOW! How far can get me? My local Days Inn?
Based on these features, the First Premier Bank Credit Card operates a lot like a bad credit credit card. But on the plus side, once you pay your bills on time you would benefit from the competitive 9.9% APR.
I would definitely explore some other options.
To determine if this offer is the best you can get (and I sure hope it isn't), compare other bad credit credit cards and see what they have to offer before making your final decision. It could be that your credit history is ok, so check out the vast range of credit card offers that do not carry so many fees.
Showing posts with label Review. Show all posts
Showing posts with label Review. Show all posts
Sunday, June 17, 2012
Wednesday, June 13, 2012
Baker College Online MBA Review
Amongst all the traditional online degree programs, Baker College Online should be considered one of the most successful. The college offers online degree programs from the Associate degree level to the Doctorate. Baker College has been particularly successful in the business degree arena and their Associate, Bachelor and Master degree programs have been accredited by the International Assembly for Collegiate Business Education (IACBE). This review covers the Baker College Online MBA program offered via distance learning via the internet.
Requirements for Online MBA Degree
Baker College's online MBA program is very similar to many other traditional and online MBA programs. Even so, one key difference is that the college operates on a quarter hour system whereas many colleges utilize the semester hour system. Baker College's online MBA requires 49 quarter hours in order to complete the degree and of these, 20 quarter hours will be in a specialization except for the accounting track that requires 53 quarter hours.
This MBA program has a core set of 9 courses and each is 4 quarter hours long except for BUS 609 Graduate Seminar which is 1 quarter hour. The other courses are: Human Resource Management, Human Behavior Management of Organizations, The Financial Environment, The Economic Environment, The Marketing Environment, Management Information Systems, Research and Statistics for Managers, Strategy in a Global Environment.
The various specializations that a student can earn at Baker College in the MBA program are: Accounting, Finance, Health Care Management, Human Resources Management, Information Management, Leadership and Marketing. Much like Kaplan University, Baker utilizes the 6 week term.
Tuition, Military Discount, Other Costs and Benefits
Tuition at Baker college compares favorably to Kaplan's. While Kaplan University's tuition is slightly less per hour than a number of other online to most online programs. The credit hour cost is 5 and for the 49 quarter credit hour program the cost of the MBA is ,905. For the 53 quarter hour Accounting MBA, the cost is ,285. The school also has a number of other fees, such as application and graduation fees, but these are very modest and should not adversely impact any student from getting their degree.
With Graduate Management Admission Council (GMAC) reporting that the average expected starting annual salary for new professional hires from MBA programs to be in the K range in 2006, the price of the MBA can be a good return on investment (ROI). Additionally, the U.S. Census Bureau reports that the average earnings for a person holding a graduate degree and between the ages of 45 and 54, is about ,000. It should be noted that these are averages and that major metropolitan areas the amounts are generally higher.
Baker College does not offer a military discount for any of its programs but the college does qualify for the Post 9/11 GI Bill. Distance learning students will not be entitled to the housing allowance of the Post 9/11 GI Bill because the MBA program is attended online only. For veterans using the Montgomery GI Bill or the Post 9/11 GI Bill, taking one course per six week term enables the veteran to meet the requirement for full time attendance.
Overall Assessment of Baker College Online MBA Degree
This MBA program is reasonably diverse, but the 6 week terms may not allow material to be covered in depth, much like a similar assessment of Kaplan's program. Even so, the school will appeal to working adults who become online students in order to obtain the necessary academic credentials to advance their career. In many cases, these are accomplished professionals who need a check in the box to get the next promotion, or have the desire to add something to their resume.
Requirements for Online MBA Degree
Baker College's online MBA program is very similar to many other traditional and online MBA programs. Even so, one key difference is that the college operates on a quarter hour system whereas many colleges utilize the semester hour system. Baker College's online MBA requires 49 quarter hours in order to complete the degree and of these, 20 quarter hours will be in a specialization except for the accounting track that requires 53 quarter hours.
This MBA program has a core set of 9 courses and each is 4 quarter hours long except for BUS 609 Graduate Seminar which is 1 quarter hour. The other courses are: Human Resource Management, Human Behavior Management of Organizations, The Financial Environment, The Economic Environment, The Marketing Environment, Management Information Systems, Research and Statistics for Managers, Strategy in a Global Environment.
The various specializations that a student can earn at Baker College in the MBA program are: Accounting, Finance, Health Care Management, Human Resources Management, Information Management, Leadership and Marketing. Much like Kaplan University, Baker utilizes the 6 week term.
Tuition, Military Discount, Other Costs and Benefits
Tuition at Baker college compares favorably to Kaplan's. While Kaplan University's tuition is slightly less per hour than a number of other online to most online programs. The credit hour cost is 5 and for the 49 quarter credit hour program the cost of the MBA is ,905. For the 53 quarter hour Accounting MBA, the cost is ,285. The school also has a number of other fees, such as application and graduation fees, but these are very modest and should not adversely impact any student from getting their degree.
With Graduate Management Admission Council (GMAC) reporting that the average expected starting annual salary for new professional hires from MBA programs to be in the K range in 2006, the price of the MBA can be a good return on investment (ROI). Additionally, the U.S. Census Bureau reports that the average earnings for a person holding a graduate degree and between the ages of 45 and 54, is about ,000. It should be noted that these are averages and that major metropolitan areas the amounts are generally higher.
Baker College does not offer a military discount for any of its programs but the college does qualify for the Post 9/11 GI Bill. Distance learning students will not be entitled to the housing allowance of the Post 9/11 GI Bill because the MBA program is attended online only. For veterans using the Montgomery GI Bill or the Post 9/11 GI Bill, taking one course per six week term enables the veteran to meet the requirement for full time attendance.
Overall Assessment of Baker College Online MBA Degree
This MBA program is reasonably diverse, but the 6 week terms may not allow material to be covered in depth, much like a similar assessment of Kaplan's program. Even so, the school will appeal to working adults who become online students in order to obtain the necessary academic credentials to advance their career. In many cases, these are accomplished professionals who need a check in the box to get the next promotion, or have the desire to add something to their resume.
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